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InsureWithMax Blog

Date: 28 November 2022 by Max Robinson

Hoarding is a mental illness

In the UK, it’s estimated 2.5-6% of the population is affected by a hoarding disorder. Hoarding often begins in adolescence and can become a problem for people in their 30s. The average age of people seeking treatment is about 50. Do you know a hoarder?

Date: 21 November 2022 by Max Robinson

Telling Children About The Cost of Living

The cost pressures are having a real impact, given almost half of UK families have less than a month’s income in savings. Worse, around 1.3m families have no savings at all. Family money worries can impact children. How do you talk to your kids about the money pressures?

Date: 14 November 2022 by Max Robinson

Investing in Shares

Yes, investing in shares is riskier than keeping money in a bank, but it can be more rewarding. Imagine saving £10,000 over 15 years to 2020. If invested in the UK stock market it would be worth £22,069, while the same cash held in a bank account would be worth £12,293. Is it time to invest in shares?

Date: 07 November 2022 by Max Robinson

Numbers Galore

Nearly 17m adults have numeracy skills roughly equivalent to those expected of children at primary school. The cost of living crisis will hamper many adults as they grapple with budgeting with less money. It’s Number Confidence Week (7-11 November). Is your family confident about numbers?

Date: 31 October 2022 by Max Robinson

State Pension Stamps (National Insurance)

National Insurance (NI) is in the news as the government reduces workers' taxation. NI credits provide the contributions to the State Pension. To gain the full State Pension, people need 35 qualifying years of NI credits, either from being in work or from state benefits when unable to work. Do you know how many State Pension qualifying years you have?

Date: 24 October 2022 by Max Robinson

Left-handed ink writing

About 10% of children write with their left-hands. This is an issue when using a fountain pen (liquid ink). Left-handers can drag their hand through the drying ink and smudge it. There are writing tips for lefties. Do you have left-handed children?

Date: 17 October 2022 by Max Robinson

A Light Bulb Moment

We take light for granted. Few people realise that lighting makes up 11% of the average household electricity usage, so using the right lightbulbs can save money. Companies are not allowed to manufacture inefficient lights. Have you replaced your old bulbs with the 2 main types of energy-efficient light bulbs?

Date: 10 October 2022 by Max Robinson

Save More Energy

The government has capped the unit cost of energy so that a typical household will pay £2,500 a year. Energy is still rising from £1,971 last April and the cap is based on the unit of energy and not usage. Energy prices are rising faster than wages. Do you know the best ways to save energy/money?

Date: 03 October 2022 by Max Robinson

Breaking Point

People and stress go together, whether it’s work worries or cost of living pressures. The death of a monarch can bring back negative feelings of lost family members. If you or a family member feel overwhelmed, fatigued or on edge, then it could be a breaking point. Are you prepared to take action to avoid this point?

Date: 26 September 2022 by Max Robinson

Inflation is personal

Inflation is the silent burglar, steeling your money. Why? Inflation means that your money buys less. The problem with inflation is that impacts different groups, including families, depending on their spending habits. Are you keeping an eye on your family’s personal inflation rate?

Date: 19 September 2022 by Max Robinson

Value of a smart meter

With another substantial increase in the energy price cap soon, households may be considering a smart meter. It's a device installed by the energy provider to automatically track gas/electricity usage. Are you thinking of having a smart meter installed?

Date: 12 September 2022 by Max Robinson

Freedom of Freelancing

The true freelancer is the boss working for themselves and is paid for doing many jobs for different clients. However, 40% of employees are running their own side hustles (2nd job) for extra money, alongside their full-time career. Have you wanted to be a true freelancer?

Date: 05 September 2022 by Max Robinson

Coupons Galore

Grandparents remember clipping coupons from newspapers. Then it was printing them off (computer); now its apps or online. Most coupons are on food, toiletries and home cleaning products. In the cost of living crisis coupons save money. Have you considered coupons?

Date: 28 August 2022 by Max Robinson

Setting Life Goals

The economic outlook is bumpy, with a recession looming next year. The cost-of-living crisis is squeezing families, with many incomes being outpaced by inflation. There is no magic solution, however, using Life Goals can create a sense of purpose and offer stability. Many people use Life Goals, both in their personal and work life to help drive success. Have you set any Life Goals?

Date: 22 August 2022 by max robinson

Setting Investment Goals

The Summer is a good time to consider investment goals, even with rapidly rising living costs. Whatever the age or the financial situation, working people need to set investments goals that will drive their savings strategy. What are your investment goals for the next 10 years?

Date: 15 August 2022 by Max Robinson

Be a mumpreneur

Imagine being a successful Mumpreneur. It refers to mums building a business from home, while working around bringing up their kids. Technology, apps for invoicing, social media, admin software allow mums to operate from the kitchen table and much more. Do you want to be a mumpreneur?

Date: 08 August 2022 by max robinson

Dealing with debt

When it rains, it pours which translates into bad things happening at the same time. We have rising prices, rising interest rates and expected rising unemployment – all bad things. The result is not only increased debts, but also the number of households struggling with debts. Is this a familiar story?

Date: 01 August 2022 by max robinson

Dad Divorce

Aiming for good divorce, may sound like the wrong words. Although fewer couples are getting married (43% fewer than 1970’s), a third of marriages will end in divorce. This post will not seek to blame the couples; however, it will look at improving the divorce process from the dads’ side. Do you know any dads getting divorced?

Date: 25 July 2022 by max robinson

Children Vaping

Most parents are unaware that child vaping is on the rise, as proved by 1:5 teachers said they had caught a pupil as young as 11 with a vape. Nearly a third of 16-17 year-olds have tried vaping. These e-cigarettes contain nicotine, which is the addictive side of smoking. Have you discussed the harmful side of vaping with your kids?

Date: 18 July 2022 by Max Robinson

Buy now pay later pitfalls

The buy-now-pay-later (BNPL) firms have came under the control of the UK financial regulator. It means that BNPL firms will tell some credit agencies about payment behaviours. Good customers making payments on time could see a positive effect on their credit rating. However, customers who fall behind in payments could suffer when applying for a loan or mortgage. Did you know that?